In many situations, when a negligent party unintentionally or accidentally
causes physical harm to an innocent person, the injured party can file
a lawsuit against the at-fault party so he or she can recover compensation
for their damages. When we say “damages,” we’re referring
to losses incurred because of an injury, such as pain and suffering, lost
income, physical damage to a vehicle (car accidents), and medical bills.
Sometimes injured parties are hesitant to file a civil lawsuit or
personal injury suit against the liable or
negligent party because they know that person does not have any money. They automatically
think, “He doesn’t have any money, so there’s no point
in filing a lawsuit,” when in fact this type of thinking can be
While it’s true, most of the time one person (or business) is behind
an accidental injury, but that does not mean that the injured party does
not have a way to recover compensation if the at-fault party is strapped
for cash. How could this be? In a word –
We Live in an Insurance-Friendly Society
Believe it or not,
many types of personal injury accidents are covered by insurance, whether it’s
auto insurance, homeowners’ insurance, workers’ compensation
insurance, medical malpractice insurance, or property insurance.
Since homeowners and businesses are generally required to carry some form
of property insurance, this requirement ensures that accidental injuries
are covered by these policies. On the rare occasion that a required insurance
policy was allowed to lapse, the property owner is usually still liable
for accidents and injuries that occur on their property.
Here are some examples of the types of accidents that are typically covered
by an insurance policy:
If you were injured in an accident and you’re hesitant to file a
lawsuit because you’re confident the at-fault party cannot afford
to compensate you, don’t be discouraged. Depending on the facts
of the case, there is a very good chance that there is an insurance policy
that may help you recover much-needed compensation.
To find out if you have a right to compensation for your injuries,
contact our firm to meet with a Columbia injury lawyer for free!